Galardo

 

In theory , the concept of mobile payments has a strong business case , given the high market penetration rates of mobile devices , such as cell phones and PDAs ? S , in many parts of the world . In addition , mobile operators and financial institutions , through the use of this device , imagine an interesting way to allow their customers to make payments . On the consumer side , users can reap the benefits of convenience , allowing them to buy goods and services from any location .In principle , the mobile device can be used as a POS ( point of sale ) devices . Mobile operators and financial institutions consider this concept as the next logical step in making mobile devices trusted payment device for consumers , acting as a complementary means of payment in cash , checks , credit cards and debit cards .Currently , financial institutions launched a wireless POS capabilities to traders who in turn compete with ? S mobile consumers . Several new services have been introduced around the world in which merchants accept payments from wireless POS terminals . The wireless POS terminals , for example , allows merchants to offer a home delivery service that is presented and received payment when the goods or services ? S location of the consumer .Wireless POS terminal using a wireless network of mobile operator for sending payment instructions to merchant acquirer ? S payments Server . As a result , wireless POS services classified as an extension of traditional payment services . Given that in some areas almost everyone in the world will soon have a mobile phone , and most locations offer merchant POS terminals as a form of payment , it is at least conceivable that the mobile device will take over most of the retail payments market .Since the implementation of wireless POS payment infrastructure is an extension of this time , users still have to use a credit card or debit card to make a purchase . Comfort associated with current wireless POS methods have to do with the fact that this terminal will be taken to the location of purchase . For example , in a neighborhood restaurant with users paying their bills through debit cards from their seats , or to have their groceries delivered to their front door .Mobile devices enable the use of a variety of services , services that do not need a card reader , personal computer , and a combination modem or merchant ? S wireline POS terminal . Currently , mobile devices have an embedded chip that can be used to store information and provide secure authorization and identification